By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. My modified adjusted gross income (MAGI) was based on my 2020 tax returns when both my husband and I were working. I retired and reached full retirement age in January 2022. My husband passed away that same month. At this point, I have no income. I applied for Medicare A and B and based on my MAGI the amount is $374.20 — $170.10 for standard plus $170.10 for Income-Related Monthly Adjustment Amount (IRMAA). I have an appo